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Certificates of Insurance (COIs) look simple—but behind that one page is a world of fine print, pitfalls, and potential fraud.

In this episode, Chantal and Sandy talk with Scott Margraves, a 33-year insurance veteran and founder of COI’s R Us, about what COIs actually do (and don’t) prove. You’ll hear:

• Why 9 out of 10 COIs are issued incorrectly
• How small clerical errors can lead to big problems
• The difference between a document that verifies coverage and an actual contract
• Real-world examples of COI confusion, misrepresentation, and fraud

We also say goodbye to Sandy as co-host and welcome Heather Blevins as our next guest host—plus a preview of our upcoming episode on good faith claims handling.

You can reach Scott at COIsRUs.com or 713-416-9000

Want to know what a COI looks like? Here's the link:

https://acords.com/ACORD%20Forms%2025.html

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

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In this episode of The Art of Adjusting® Podcast, Chantal and Sandy break down the often-confused differences between bankruptcy, insolvency, and reserves—and why every adjuster should understand how their decisions impact a carrier’s financial stability.

From SpongeBob memes to real-life cautionary tales, they show how financial instability can start with a single misstep in reserve-setting.

Sandy explains why AI can’t replace the artistry of reserves, while Chantal explains how carrier solvency, rate approvals, and even state-specific nightmares (we're looking at you, Florida) all connect back to the adjuster’s file. And yes—they call out the habits that hurt the most (👀 stair-stepping).

All while keeping it fun, real, and relevant.

If you’ve ever asked:

• What happens when an insurance company runs out of money?
• Why do regulators care so much about reserves?
• Can your reserve notes really impact carrier rates?

Then this episode is for you.

🎧 Listen now—and subscribe for more real talk about the hidden power of your adjusting decisions.
Your future claims career might just thank you.

#Adjusters #InsuranceNerds #ClaimsHandling #SolvencyVsBankruptcy #TheArtOfAdjustingPodcast #Riskfluencer #ClaimReserves

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.

Send us a text

Ever had to break bad news to a policyholder already on the verge of tears—or threats? In this episode, Chantal and Sandy share real-world strategies adjusters actually need (no vanilla “just be empathetic!” advice here).

🎙️ You’ll learn:
✅ What to do when a claimant starts crying—or yelling
✅ How to set expectations without sounding cold
✅ Tips for staying calm, professional, and in control
✅ Why role-playing and preparation are your secret weapons

Whether you’re a seasoned adjuster or just starting out, this episode will help you handle high-stakes conversations with clarity and confidence.

👉 Listen now and level up your claims game!

🔗 [Follow the show and get notified about our next episode on bankruptcy, insolvency, and reserves—dropping July 31!]

To reach Sandy, visit RiskInfluencer.org.

For more insights, you might consider a career in liability adjusting or if you're searching for reliable adjusting services, visit Auten Claims Management.

To explore more about Chantal Roberts and her contributions to the industry, visit CMR Consulting.

Promotions:

• Once Upon a Claim: Explore the magical world of claims adjusting through fairy tales. Get your copy now.
• The Art of Adjusting®: Master the art of claims adjusting with practical insights and expert advice. Purchase here.